Accident & Health

Epsilon’s Accident and Health perspective is deliberately focussed on providing comprehensive, flexible, competitive and ultimately sustainable coverage solutions within medium-to-large Group Accident & Sickness schemes. Whether born of the desire to provide additional benefits to attract and retain employees, or specifically mandated within an enterprise bargaining agreement, Epsilon’s A&H policies offer a range of benefits tailored to meet the needs of almost any group - and critically, each policy has been carefully designed to provide each and every Insured Person with financial support (e.g. salary continuance) at a time when it is needed most - swiftly, compassionately and consistently.

Major industries and occupations that Epsilon’s Accident and Health division can assist you with are listed below.

Key Features

Income protection benefits

Major benefits are payable in the form of a lump sum and/or Weekly Benefits as a result of Injury or Sickness causing permanent or temporary disablement.
  • weekly income benefits for accident and sickness
  • up to 100% of income; up to 156 weeks (3 years) benefit period
  • worldwide income protection for non-work-related injury & illness
  • Workers' compensation top-up cover and other gap cover such as TAC top-up in Victoria
  • 24/7 cover for self-employed, sole traders & contractors not covered by Workers’ Compensation
  • Journey Injury cover – loss of income & lump sum benefits in the event of an Accident to-or-from work
Lump sum death and injury benefits – resulting from an Accident

  • broken bones cover
  • accidental dental injuries
  • death or total and permanent disablement
  • impairment and serious trauma (capital benefits)
A broad range of Additional Benefits are also available

  • Personal Wellbeing - 17 different benefit categories including accidental HIV infection, rehabilitation and financial advice benefits
  • Corporate Protection - where the insured client (employer) themselves has been impacted by an injury or sickness suffered by an employee

Claims

Your insurance broker is there to advise and assist you in the claims process and claims should be notified to your insurance broker in the first instance. All claims are managed by Proclaim on behalf of our Lloyd’s Liability Underwriters. Claims should be reported to Epsilon in the first instance (by your insurance broker) and we will confirm policy covers and pass the claim to Proclaim to manage.

Contact Epsilon and speak with our experienced underwriters


How to make a claim